Archive for May, 2009
If a support beam on my house cracks from the weight of the roof, is this covered by standard home insurance?
lizzy1000 asked:
My support beam cracked and a structural engineer has decided that the beam was inadequate to support the weight of the tile roof. It is unknown if the tile roof is original (40 years old) or if it has been replaced sometime in the past (no permit was on file). Is this something that is covered by typical homeowners insurance policies?
Monty Dunavant
My support beam cracked and a structural engineer has decided that the beam was inadequate to support the weight of the tile roof. It is unknown if the tile roof is original (40 years old) or if it has been replaced sometime in the past (no permit was on file). Is this something that is covered by typical homeowners insurance policies?
Monty Dunavant
Any good home insurance suggestions in Jacksonville, FL?
aplusjimages asked:
I’m looking around for home insurance. Any horror stories or good stories to give me an idea of who to go with? Thanks.
Deidra Wright
I’m looking around for home insurance. Any horror stories or good stories to give me an idea of who to go with? Thanks.
Deidra Wright
What is a good home insurance company in southern california?
~JeSsIcA~ asked:
I am with farmers and it is time for me to renew my contract with them but im kind of iffy about the whole thing. I have fire protection but nothing for earth quakes which scares me because we have had 3 in the last couple of months. I want to be covered for everything at a low cost.
Shakia Eighmey
I am with farmers and it is time for me to renew my contract with them but im kind of iffy about the whole thing. I have fire protection but nothing for earth quakes which scares me because we have had 3 in the last couple of months. I want to be covered for everything at a low cost.
Shakia Eighmey
My father forgot to pay a home insurance premium. Our insurance was cancelled. How can I get new insurance?
elizabeth m asked:
I have tried to get a new policy, but most companies won’t even give me an estimate. I have tried twice to get policies from companies that gave me an estimate but both companies didn’t accept the payment. We are in Wisconsin and have never had an insurance claim in more than 20 years, so I don’t think it depends on hurricane Katrina. I have been told that if I was a new owner I wouldn’t have any problems, but we have had our house since 1945. Could I sell it to my husband? We have good credit and my father simply forgot to send the check (he was 92).
I have submitted requests twice to on-line insurance search sites. Their representative called and gave me a quote, which I accepted and agreed to pay by credit card, but they never put the payment on the card and I never heard from them again. Both told me no well known insurance company (Hartford, etc.) would insure us because State Farm had cancelled our insurance, so we had to use unheard of companies.
Our insurance was with our local State Farm agent, who returned the late check and refused to insure us. This is a new agent, but the same agency had insured us for years.
The house belongs to our trust.
I will be back in the US in July, so until then I can’t visit the friendly local agent.
Jarvis Fargo
I have tried to get a new policy, but most companies won’t even give me an estimate. I have tried twice to get policies from companies that gave me an estimate but both companies didn’t accept the payment. We are in Wisconsin and have never had an insurance claim in more than 20 years, so I don’t think it depends on hurricane Katrina. I have been told that if I was a new owner I wouldn’t have any problems, but we have had our house since 1945. Could I sell it to my husband? We have good credit and my father simply forgot to send the check (he was 92).
I have submitted requests twice to on-line insurance search sites. Their representative called and gave me a quote, which I accepted and agreed to pay by credit card, but they never put the payment on the card and I never heard from them again. Both told me no well known insurance company (Hartford, etc.) would insure us because State Farm had cancelled our insurance, so we had to use unheard of companies.
Our insurance was with our local State Farm agent, who returned the late check and refused to insure us. This is a new agent, but the same agency had insured us for years.
The house belongs to our trust.
I will be back in the US in July, so until then I can’t visit the friendly local agent.
Jarvis Fargo
will home owners insurance pay for a retaining wall rebuild?
MEG asked:
i have an existing retaining wall that needs to be updated, but do not have the $10,000 required to rebuild it. i was hoping home owners insurance would pay some
Mikki Rogal
i have an existing retaining wall that needs to be updated, but do not have the $10,000 required to rebuild it. i was hoping home owners insurance would pay some
Mikki Rogal
What do home insurance companies fear the most?
Disco Bollsax asked:
I had a fire at my home and I don’t want these guys ripping me off. How do I protect myself at this point?
Afton Sedy
I had a fire at my home and I don’t want these guys ripping me off. How do I protect myself at this point?
Afton Sedy
What’s the cheapest and best company for car insurance/home insurance/life?
oremus_fratres asked:
We are moving out of our current state and need to switch companies. I was just wondering what the cheapest company (also with good service) for all types of insurance would be. Thanks!
Efren Kretsinger
We are moving out of our current state and need to switch companies. I was just wondering what the cheapest company (also with good service) for all types of insurance would be. Thanks!
Efren Kretsinger
Home insurance?
Andrea asked:
I am buying a home. How do I find a home insurance company? Will my mortgage company help me with that?
Calista Guyon
I am buying a home. How do I find a home insurance company? Will my mortgage company help me with that?
Calista Guyon
Whats the best way to handle Home Insurance Claim Adjusters during damage estimate of my house?
ReggieT asked:
Recent tornado winds and heavy rains have damaged my shingles and caused water to leak through to one bedroom ceiling!
Recent tornado winds and heavy rains have damaged my shingles and caused water to leak through to one bedroom ceiling!
I’ve heard much about how they do their best to keep from paying you for damage! I just want to know my rights. Farmers Insurance is my coverage. Thanks
Teddy Eget
What is the typical home insurance premium for a $90,000 home in Oklahoma City?
oky asked:
1500 sq ft, 3 bed, 2 bath, basement, garage. Northwest area or Bethany. We are considering moving there from the west coast of Florida (yes, tornadoes and all) and want to estimate the costs involved. We also would like to know the average cost of power during July and August as well as December and January for a similar sized home. Let’s say the home was built in 1960.
Most of the answers so far avoid giving an actual guesstimate and I’m think it is because it might appear I’m speaking of a particular home at a particular location. THERE IS NO ACTUAL HOUSE. This is a rough idea of the TYPE of home we would consider buying. I just wanted ballpark figures for a typical home as I described, in a low to mid crime rate area of similarly priced homes. No waterfront, no pool, no extras that would inflate the premium (such as a fireplace). One thing I know, insurance companies want DETAILS, one of which is an EXACT address. I have no such details because we have not picked out a home yet. For example, here in the west coast of Florida, a $90,000 home (if you could find one) would have premiums of about $1100/yr (nearly 100% higher than 2 years ago) and if you live in a low-lying area you would double that price to pay for mandetory flood insurance. Certainly some brave person who lives in OK has an answer for me.
Caitlin Ehrenberg
1500 sq ft, 3 bed, 2 bath, basement, garage. Northwest area or Bethany. We are considering moving there from the west coast of Florida (yes, tornadoes and all) and want to estimate the costs involved. We also would like to know the average cost of power during July and August as well as December and January for a similar sized home. Let’s say the home was built in 1960.
Most of the answers so far avoid giving an actual guesstimate and I’m think it is because it might appear I’m speaking of a particular home at a particular location. THERE IS NO ACTUAL HOUSE. This is a rough idea of the TYPE of home we would consider buying. I just wanted ballpark figures for a typical home as I described, in a low to mid crime rate area of similarly priced homes. No waterfront, no pool, no extras that would inflate the premium (such as a fireplace). One thing I know, insurance companies want DETAILS, one of which is an EXACT address. I have no such details because we have not picked out a home yet. For example, here in the west coast of Florida, a $90,000 home (if you could find one) would have premiums of about $1100/yr (nearly 100% higher than 2 years ago) and if you live in a low-lying area you would double that price to pay for mandetory flood insurance. Certainly some brave person who lives in OK has an answer for me.
Caitlin Ehrenberg